Delta Community Insights

March 2024

New Checking Accounts to Benefit Your Financial Life

man looking at laptop

Managing your everyday funds is the biggest part of your financial life. That’s why Delta Community is now offering three great choices for Checking Accounts—Free Checking, Interest Checking and SpendSafe™ Checking.

  • Free Checking: The most popular choice with our members, this is checking with no monthly maintenance fee or minimum balance requirements. Just easy, 24/7 access to manage your funds.
  • Interest Checking: If you carry a higher balance, you’ll get all the benefits of our Free Checking Account, plus the ability to earn interest. There is no monthly maintenance fee when you meet the balance criteria.
  • SpendSafe™ Checking: Available for members as young as 13, this is a great option whether you’re just starting out in life or typically carry a lower balance. SpendSafe Checking comes with many of our standard checking benefits, but has the added protection of no overdraft fees. Plus, there’s no monthly maintenance fee for members under the age of 23.

Choose the Checking Account that’s right for you, and get the most out of your money.

Invest in Yourself this Bonus and Refund Season

mother and adult daughter hugging

It’s that time of year to make plans for your annual bonus, tax refund or other extra cash you may have received. Saving is always a great option, and our Certificates of Deposit offer high yields to make your money grow faster. You can earn 5.15% APY on a 12-month CD and 4.50% APY on a 24-month CD,* and it’s one of the safest ways to invest. Plus, when you choose Delta Community, you get more than attractive rates, we provide exceptional service and attention you deserve.

To get started, log in to Online Banking or our Mobile App, choose Add an Account from the menu, then select Certificate of Deposit (CD). You can also stop by any Delta Community branch, or if you have questions call us at 800-544-3328. Make sure to check our website for the most up-to-date rates.

Youth and Teen Savings Match

Delta Community branch

Looking to give your child a head start on their savings journey? Delta Community has you covered! We are excited to offer the Youth and Teen Savings “Mix and Match” Promotion, where we will match the deposits made in the first 14 days, up to $100, when kids and teens ages 0-19 open a new Savings Account between March 1 and April 30. If you have a child, grandchild, sibling, niece, nephew or cousin, they are eligible for a Delta Community Savings Account. Don’t miss out on this fantastic chance to help your child start saving early! To learn more, visit

HBCU Scholarship Application Period Open 

Delta Community HBCU Scholarship

Our first HBCU Scholarship entry period of 2024 is open and will run through April 30. Thanks to listeners of V-103 and attendees of their Winterfest concert last December, we are giving away an additional $5,000 scholarship in 2024 for a total of $25,000 in scholarships to five deserving students of Historically Black Colleges and Universities (HBCUs). If you know an exceptional student attending an HBCU or a graduating high school senior who has received an official acceptance letter to one, tell us why they deserve to receive a $5,000 scholarship! You may also nominate yourself. Delta Community will select three winners to each win a $5,000 award from among the most compelling submissions. Visit for more information and to apply!

Philanthropic Fund Grants Awarded in February

Delta Community Philanthropic Fund Recipients

We recently presented three grants from our 2024 Philanthropic Fund, totaling $25,000 to the following organizations:

Automotive Training Center (pictured, left) awarded $10,000 for its program that trains at-risk teens and young adults for employment in the automotive repair industry. This program helps students from under-resourced communities gauge their interest in the industry and prepare them for entry-level auto technician jobs, while another program focuses on young adults, who are unemployed or underemployed or have been involved with the criminal justice system, and prepares them for mid-level employment.

RE: Imagine ATL (center) trains, equips and inspires the next generation to build careers in the creative and digital media industries. Its $7,500 grant will be used for its workforce program, EMERGE Apprenticeship, which prepares its 18- to 24-year-old participants for emerging careers in the film and creative media industry. 

STRIVE Atlanta (right) is a job training and career development services nonprofit agency, focused on helping people with obstacles to employment. They received a $7,500 award to support their Career Path and Future Leaders programs. The programs offer students a variety of services including financial coaching, allowing them to launch into careers in high-demand industries, logistics and office administration.

The Delta Community Philanthropic Fund will invest a total of $150,000 throughout 2024 to 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we needs of people who live within the communities we serve.

Max Out Your IRA Before April 15

couple sitting on bench and smiling

Maxing out your Individual Retirement Account (IRA) is an important step towards building savings for the future. With tax season upon us, now is the perfect time to consider making additional contributions to your IRA.

Maxing out an IRA offers great tax benefits. The amount that you contribute may be deductible from your taxable income, meaning your savings can grow, tax-deferred, until you withdraw from the account in retirement. Another advantage of maximizing your contribution is the benefit of compounding growth. The combination of a maximum contribution and dividends can generate growth of your savings, allowing the account to reach its full earning potential. This is an easy way to get higher returns on your IRA and plan wisely for retirement.

The deadline to contribute to an IRA for the 2023 tax year is April 15, 2024, so there is still time to make a tax-deferred contribution. The maximum amount you may contribute for 2023 is $6,500 for individuals under age 50, and $7,500 for those 50 and over.

Delta Community Hit an Exciting Milestone!

Delta Community 500k

For more than 80 years, Delta Community has proudly served the metro Atlanta community, and we have successfully grown together over the decades. We’re excited to announce we have achieved a significant milestone...we just reached half a million members! 

To help us celebrate, stop by your local Delta Community branch on Wednesday, March 13 for a small token of our appreciation for your membership. We’ll also be giving away prizes all month long on social media, so make sure to follow us for your chance to win.

We are grateful for each and every Delta Community Member—you give real meaning to the Community in our name. We're always committed to providing exceptional service to our members, and we look forward to growing together even more in the coming years. 

Financial Education Center Seminars

At Delta Community, we know that knowledge is the key to reaching your financial goals and establishing good financial habits. That’s why we’re offering a series of workshops each month focusing on a different aspect of personal finance. Whether you’re planning for a major milestone or trying to better manage your finances, our Financial Education Center offers the tools to help you achieve financial success.

We’re Getting Serious About Saving for our March workshop series. Join us as we discuss how to assess if you’re ready for an early retirement, ways you can save money by reducing expenses, and strategies to improve your savings habits, including a guided workshop designed to help you create a savings plan. 

  • March 5: Can I Retire Early? | In-Person Workshop
  • March 7: Ways to Reduce Expenses | Live Webinar
  • March 12: Saving with a Purpose | Live Webinar by BALANCE
  • March 14: Can I Retire Early? | In-Person Workshop
  • March 19: Serious About Saving | Live Webinar
  • March 21: Can I Retire Early? | In-Person Workshop
  • March 21: Saving with a Purpose | Live Webinar by BALANCE
  • March 26: Creating a Savings Plan | In-Person Workshop
  • March 28: Can I Retire Early? | In-Person Workshop

 Check our Events & Seminars page for more information on upcoming seminars.

Monthly Blogs

  • Your 2023 Tax Documents are Ready to Download: The 2023 income tax season is in full swing, which means that Delta Community members may now access their 2023 tax documents in Online Banking and the Mobile App with Online Statements. You may view and download your 2023 documents or print hard copies.
  • 9 Steps that Might Help Avoid Email Scams: Nothing can prevent being targeted by an email scammer, but there are some steps to take that may possibly help avoid becoming a fraud victim. Read our blog for nine suggestions for actions to take that could assist in stopping or preventing a successful email attack.

Financial Status

As of January 31, 2024

  • Assets: $8.6B
  • Deposits: $7.3B
  • Loans: $5.6B
  • Members: 501,069

Holiday Closing

Memorial Day, Closed

Monday, May 27

Contact Us

Member Care: 800-544-3328
Home Loans: 866-963-7811


* APY = Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yield for a Delta Community Certificate of Deposit is 5.15% for a 12-month term beginning March 1, 2024. The Annual Percentage Yield for a Delta Community Certificate of Deposit is 4.50% for a 24-month term beginning March 1, 2024. Minimum opening deposit and balance of $1,000.00 are required. Offer includes 12-month and 24-month IRA CDs. An early withdrawal penalty equal to 90 days of interest for 12-month and 24-month CDs is incurred when closed prior to maturity.